Month: October 2021

Stay Protected With Home Insurance

Posted on by AgentInsure

Home insurance is a must if you own a home. It offers many different types of coverage all in one policy. When you have a home policy, you are protected against a wide range of accidents and disasters. If you don’t have home insurance yet, it’s time to get a policy to protect yourself and your future. Give us a call today at Mid Atlantic Insurance Financial in Laurel, MD.

Your House

Your house itself needs protection, and it gets it from a home insurance policy. This coverage protects the house if it is damaged or destroyed by an incident that is covered by the policy. When the worst happens and whether there are repairs or rebuilding needed, the policy will pay for it. Trying to pay for significant damage done to a home without home insurance is simply too expensive for most people, making this coverage vital for protecting your future. 

Your Possessions

Another type of coverage included in home insurance is coverage for your belongings in the home. If there is a serious incident and items are broken or destroyed, your home policy can pay for those damages. Imagine trying to replace everything in a home without having this insurance. It would be impossible for most people to do. This coverage is a much-needed way to stay protected. 

Your Liability

When you have a third party in your home and that person becomes injured, you can be held responsible for the medical bills and other costs, including lost wages. When you have a home policy, it includes coverage for liability. This can be extremely helpful in the event that someone is injured. When you have this policy, the injured party doesn’t have to sue you to get their medical bills paid. 

Get Your Home Insurance

To get started with a home insurance policy, contact us at Mid Atlantic Insurance Financial in Laurel, MD.

Benefits of Full Coverage vs. State Minimums

Posted on by AgentInsure

Benefits of Full Coverage vs. State Minimums

When you purchase auto insurance in the state of Maryland, the state provides minimum requirements. Mid Atlantic Insurance Financial wants you to understand why sticking with those though, does not provide you with the full coverage you need to protect your vehicle.

In Maryland, you must purchase liability insurance to legally operate your vehicle on public roads. The minimum insurance includes:

  • bodily injury coverage per person in the amount of $30,000,
  • bodily injury coverage per accident in the amount of $60,000,
  • property damage coverage per accident in the amount of $15,000.

Any accident in Laurel MD probably damaged both vehicles, but the state-required insurance only protects the other person’s vehicles and only pays for their injuries. You would need to pay out of pocket for all the repairs to your own vehicle plus your medical bills if you caused the accident. If police find you at fault for the accident, your insurance pays for the other people involved.

You can purchase collision insurance to cover the damage to your own vehicle. Even if you become involved in a single-car accident, this coverage pays for vehicle repairs. Similarly, if you were minding your own business when a tree fell on your car, comprehensive coverage pays for the damage. The combination of collision and comprehensive protects you against virtually every incident that can damage your vehicle, including deer running out in front of it.

Purchasing personal injury protection provides you with medical coverage regardless of who caused the accident. It covers your passengers, too. This works with any health insurance you have to cover all of your medical bills.

Contact Mid Atlantic Insurance Financial serving Laurel, MD to talk about full coverage auto insurance for your vehicle. We can help protect your financial future and provide you the insurance to pay for medical bills and car repairs if you get into an accident.